Katie & Suri AccidentLimo Banged Upby Garbage Truck

7/17/2012 4:45 AM PDT

Katie Holmes and Suri Cruise got trashed last night -- their Mercedes-Benz limousine was sideswiped by a giant garbage truck in New York City.

Cops say Tom Cruise's daughter and soon-to-be-ex-wife were not hurt when the truck scraped the left rear fender of their Mercedes. We're told Katie and Suri's driver was the only other person in the car.

The accident happened on 33rd Street -- not far from Chelsea Piers ... where Katie had just picked up Suri from a gymnastics lesson.

Cops tell us no one was cited, and there was only minor damage. Both parties exchanged info ... and went on their way.